After this article appeared in the April, 2013 issue of Claims, I received an email from a public adjuster who asked the following question:
“Hi Tom. I read your article about Cuban cigars in Claims Magazine today. I'm curious why you state that 'the insured would need to possess indisputable documentation'. The policy covers all the insured's personal property. I think the burden of proving that any property is excluded rests with the carrier. Can you provide the policy language that supports your position?”
Although my article focused on valuation, this gentlemen's question focused on policy language and coverage. Despite the fact that I didn't initially address the existence or non-existence of coverage, I thought it would be interesting to explore this reader's question in more depth publicly.
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